Just want to rant a little bit, since I've got no where else to rage about this.
Past few years I've been sorting my finances out, saving up for a mortgage and a massive trip away to faraway lands, and all is going really well.
Been working on my credit scores from Experian, Equifax, and Transunion which I do not wish to brag about, but they are all on the top peg, excellent on all 3. So I thought: hell, now might be a good time to finally get a decent car! I checked around and found something I fell in love with and wished to buy.
But once I went to get the finance sorted, it all went south. To cut a long story short, I thought I was going to get a good rate given my credit scores and that I work full time, not a single black mark against my reports. But no; I enquired at both a bank and the car dealership to get the best rate and they both said "you're Average" which sent the APR they offered through the roof. Essentially they said "The score you see is always higher than the one we see" which to me just says "those credit scores you've been working hard to improve? They're all tosh!"
What a load of horse s...!